Hard money lenders who work with newbies

[Kasan Kelley]

Hey, i hope you all are doing well. I haven't posted here in a while as ive just been working to save money and make strides in rebuilding credit to leverage for scale in the future. Im writing because i am searching for some leads on Hard Money lenders who work with newbies. People who may be on their first buy and hold project or flip. What are the terms like? What are some of the consequences you've had to deal with for not paying back the money on time? Which types of banks can a newbie go to for a Re-fi if i invoke the BRRRR strategy? Do the lenders want licensed contractors or can i involve family who have verifiable experience in some of these areas?